Mortgage Underwriter

UNMB Home Loans Inc; New York (NY); Hybrid; USD 100,000 - 110,000; Full time

Benefits offered by this job

Medical insurance

Dental

Vision

401(k)

Flexible Spending Account

Paid Time Off

Snack/Drink Room

Job summary

UNMB Home Loans Inc. is seeking a Retail Mortgage Underwriter in New York to make sound credit decisions that protect portfolio quality while keeping files moving.

You will underwrite loan files to authority per investor, GSE, FHA/VA rules; review income/assets, appraisals, and titles; validate AUS findings; and collaborate with Loan Officers on guideline interpretation. Day includes prioritizing a pipeline, focused review, and timely decisions with regulatory awareness.

Qualifications

• Bachelor's degree preferred
• 3+ years residential mortgage underwriting; strong conventional conforming background
• DE and SAR/LAPP certifications required
• Knowledge of 203K and Homestyle; working knowledge of Encompass
• Strong written/verbal communication; able to meet deadlines under pressure

Responsibilities

• Underwrite loan files to granted authority in line with investor, GSE, and FHA/VA requirements
• Review applications, income/asset documentation, appraisal and title to confirm accuracy, completeness, and compliance
• Evaluate income, credit, equity, and layered risk; flag red flags and potential misrepresentation
• Validate AUS findings and data integrity; clear conditions and document support
• Partner with Loan Officers/Relationship Managers on guideline interpretation and file questions
• Stay current on investor/regulatory updates impacting underwriting

Job description

Job Description

Job Description

Scope & Ownership

As a Retail Mortgage Underwriter, you’ll deliver strategic impact by making sound credit decisions that protect portfolio quality while keeping files moving. This role exists to apply ownership of risk, guideline adherence, and borrower outcomes across residential mortgage loans.

Responsibilities

• Underwrite loan files to granted authority in line with investor, GSE, and FHA/VA requirements
• Review applications, income/asset documentation, appraisal and title to confirm accuracy, completeness, and compliance
• Evaluate income, credit, equity, and layered risk; flag red flags and potential misrepresentation
• Validate AUS findings and data integrity; clear conditions and document support
• Partner with Loan Officers/Relationship Managers on guideline interpretation and file questions
• Stay current on investor/regulatory updates impacting underwriting

Qualifications

• Bachelor's degree preferred
• Adherence to established policies and procedures pertinent to the position which include but are not limited to BSA, Privacy, CRA and Safeguarding Customer Information
• 3+ years residential mortgage underwriting; strong conventional conforming background
• DE and SAR/LAPP certifications required
• Knowledge of 203K and Homestyle; working knowledge of Encompass
• Strong written/verbal communication; able to meet deadlines under pressure

Apply to drive outcomes with integrity and precision.

Total Rewards

Competitive total compensation with a $100,000–$110,000 salary range, plus Medical, Dental, and Vision coverage. Build long-term security with a 401(k) and a Flexible Spending Account. Recharge with Paid Time Off, and enjoy practical in-office touches like a Snack/Drink Room when you’re on site.

How Your Day Flows

Your day typically runs Monday–Friday, 9–5, with work-from-home flexibility. You’ll start by prioritizing a pipeline of files, then shift between focused review time and quick consults with sales partners to remove friction. Midday often includes checking guideline updates or investor notes, then returning to decisions and conditions with a steady pace. You’ll close out the day by aligning open items, documenting decisions cleanly, and setting up the next morning’s highest-impact files.